The government recently announced a cap of £86,000 per person for long-term care fees, but this figure is misleading – we explain how the new cap works and the true costs you…

Including your children and grandchildren in retirement planning can help the whole family. The quick read: It’s possible to pass pensions onto children or grandchildren tax efficiently. Financial advisers can decode complex rules around…

The level of investment risk that is right for you depends on a number of factors. An adviser can assist you in evaluating your options and produce a plan to help you…

By using the allowances, reliefs and exemptions you’re entitled to, you can make your money work harder. The quick read: Retirement can seem a long way off when you’re in your 20s or…

It’s important to make the most of tax opportunities to help achieve your goals. The quick read: The biggest life plans tend to require solid financial foundations, from saving to buy a…

Inheritance Tax is complex. Here, we highlight its key exemptions and allowances – but to ensure you minimise your bill, seeking expert financial advice is a must. The quick read: Much of…

At a glance: Your local authority is responsible for social care and will work out if you qualify for financial support. They will provide a means test to calculate whether you have…

At a glance It’s not always necessary to sell your home to fund long-term care. If you choose to receive in-home care, or if a spouse or dependent relative remains living in…

At a glance: If you can afford to leave your pension untouched for the near future, your money will remain invested and could grow into a larger savings pile – although there’s…

At a glance Having a parent who needs long-term care can be very stressful, and people often don’t know where to turn for support. Our recommendation is to follow a five-step plan,…